Basics
of Banking
Time
taken to complete each Course: One - two hours 1.
Overview of Financial Markets - The
meaning of the term 'Financial System'
- The
evolution of the structure and constituents of the Indian Financial System
- The
role of financial system in the country
- The
constituents of financial system
- The
recommendations of Narasimham Committee on the financial system
2.
Introduction to Banking - Meaning
and definitions of Banking/ Bank under different systems
- Main
universal principles of banking
- Main
types/ groups of banks under Indian banking system
- TTraditional
and modern functions of banks
- Trends
in Indian banking
3.
Banking Regulation - Constitution
and objectives of RBI
- Functions
of RBI as the regulator of the Indian banking system
- Monetary
tools of RBI and effect thereof on banks
- Priority
sector advances their composition and rationale
- Regulations
on bank lending
4.
Banker - Customer Relationship - Definition
of 'customer'
- Different
forms of banker-customer relationships
- Banker's
duties
- Banker's
rights
- Redressal
of the customers' grievances and the Banking Ombudsman Scheme
- Termination
of banker-customer relationship
5.
Types of Customer and their Accounts- The
essential generic requirements to be complied with,while opening a deposit account
- The
various types of domestic customers and their special requirements to be complied
with, while opening their accounts
- Non-resident
accounts and their special requirements to be complied with
6.
Deposit Accounts - The
importance of deposits for the bank, its customers and the economy
- Various
categories of deposits, types of deposit accounts and their main features
- Common
principles and precautions involved in opening, closing and operating the deposit
accounts
7.
Negotiable Instruments - Negotiable
Instruments Meaning, features and kinds of negotiable instruments
- Other
Instruments- Banker's drafts, traveler's cheques
- Crossing
and endorsements
- Holder
/ payment in due course
8.
Loans and Advances - Importance
of lending
- Tenets
of lending- safety, profitability, liquidity, and risk diversification
- Main
kinds of fund-based and non-fund based credit facilities
- Non
Performing Assets classification, management and measures to minimize
9.
Fee Based Banking Services - Varieties
of funds remittance/ transfer by demand drafts, mail/ electronic transfer, and
collection of bills/ cheques
- Types
of Letters of Credit and guarantees issued by banks
- Agency
services like government business, sale of insurance/Mutual Fund products/ securities
- Safe
custody of valuables and safe deposit lockers
10.
Electronic Banking - Impact
of information and telecommunication technologies on banking
- Automated
Teller Machines (ATMs)
- Tele-banking
- Internet
Banking
- Mobile
Banking
- Electronic
Funds Transfer
- Electronic
clearing system
11.
Basics of AccountingThe accounting concepts and standards
- The
systems and methods of accounting
- The
rules of double entry book-keeping
- The
main kinds of books of accounts
- The
meaning and composition of balance sheet and profit & loss statement
12.
Basics of Bank Marketing
- Functions
of Bank Marketing
- Marketing
mix
- Services
Marketing mix
13.
KYC Guidelines
- Initiatives
of RBI
- KYC
policy - origin
- RBI's
approach and objectives
- Guidelines
on KYC
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